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The Most Misused Number in Hong Kong Property: What Price Per Square Foot Can and Cannot Tell You

An infographic analyzing the limitations of the "Price Per Square Foot" (PSF) metric in Hong Kong's housing market. Features a calculator in the center split into two sides against a skyline backdrop. Left side (yellow): "What Sq. Ft. Price Tells You" listing average unit cost, general market trends, and comparative value. Right side (red): "What Sq. Ft. Price Doesn't Tell You" highlighting layout efficiency, net usable area, floor & view premiums, and interior condition/renovations. Bottom banners emphasize "Rational Analysis" and "Due Diligence".
Published: 2026-08-24 | Updated: 2026-08-24

Price per square foot is the figure every Hong Kong buyer quotes and the one most likely to mislead them. Here is how the number is built, where it breaks down, and the narrow set of comparisons it actually answers.

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Valuation Shortfalls in Hong Kong: What Happens When the Bank Values Your Flat Below the Agreed Price

An infographic detailing how to handle bank valuation shortfalls in Hong Kong property transactions. The workflow covers 6 sections: 1. The Situation (transaction price exceeds bank valuation); 2. Consequences (reduced mortgage loan amount and required extra downpayment); 3. Why It Happens (market fluctuations, property condition/view, location factors); 4. Step-by-Step Actions (inquire with multiple banks, appeal the valuation with evidence, adjust financial plans); 5. Mitigation Strategies (re-negotiate price, add a guarantor, switch mortgage plans); 6. Long-Term Planning (get pre-approval before offering, maintain cash reserves). Bottom tips emphasize engaging a solicitor and working with mortgage brokers.
Published: 2026-08-11 | Updated: 2026-08-11

Hong Kong lenders lend against the lower of the price and their own valuation, so a shortfall can appear after your deposit is already committed. Here is how valuation works, why it comes in low, and how to protect yourself before signing.

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